Follow-up to my original Post: I called my other brokerage to get their take on the matter. They said that since 2020 with the Secure Act, they no longer calculate RMDs for Inherited IRAs because of the debate over whether one is required to take an RMD under the 10 yr Rule during those ten years or if one can just wait, if they want to, until Year 10 to deplete the account. All they would do is refer me to their calculator, which, of course, because it does not ask "did you get the funds the same year the owner died?", the RMD answer was standard for the 10 Year Rule which I agree with.
Then I called the original broker back and the rep agreed to forward the issue to a higher echelon and get back to me. And he did just that. The new response, instead of telling me the (what I think is the erroneous) RMD amount, was to consult a tax professional. To which I told him, fine and suggested that be their approach to all questions akin to mine instead of providing bad information which could lead to an IRS penalty if not enough RMD is taken in a given year. In my case, my calculation is for a higher RMD than the broker's calculation. So if I were to use the broker's RMD and the IRS determined not enough RMD was taken, I get levied with a 25% penalty on the difference. Thanks to everyone for listening and contributing.
